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📍 Gardner, ND · Zillow ZHVI · July 2026

Average Home Price in
Gardner, ND

Fargo, ND-MN metro area · Cass County County

Median Home Value
$349,281
↑ 7.5% year-over-year
vs. National Median
$410,000
Gardner is 15% below
Est. Monthly Payment
$1,822/mo
20% down · 6.8% rate
Income Needed
$93K
gross annual (30% rule)
Median Home Value
$349,281
↑ 7.5% year-over-year
Down Payment (20%)$69,856
Monthly P&I$1,822/mo
With Taxes & Ins.~$2,314/mo
Income Needed$92,560/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Gardner, ND

The median home value in Gardner, ND is $349,281 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.5% compared to a year ago and up 4.6% from two years prior.

Compared to the U.S. national median of $410,000, homes in Gardner are priced15% below average. Gardner is part of the Fargo, ND-MN metro area.

City Comparison

Gardner vs. National Median

🏠 Gardner
$349,281
National Median
$410,000

At $349,281, homes in Gardner cost 15% below the national median of $410,000. This makes Gardner a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Gardner?

20% Down Payment
$69,856
on $349,281
Monthly P&I
$1,822/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,314/mo
incl. taxes & insurance
Income Needed
$92,560
gross annual (30% rule)
10% Down Option
$34,928
+ PMI applies
Loan Amount (20% dn)
$279,425
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Gardner, ND?
The median home value in Gardner is $349,281 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.5% year-over-year.
How much have home prices changed in Gardner?
Over the past year, home values in Gardner have increased by 7.5%.
How much do I need to earn to buy a home in Gardner?
To comfortably afford the median home price of $349,281 with a 20% down payment ($69,856) at today's rates (6.8%), you'd need a gross annual income of approximately $92,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Gardner compare to the national average home price?
The national median home value is approximately $410,000. At $349,281, homes in Gardner are 15% below the national average.
What metro area is Gardner part of?
Gardner is part of the Fargo, ND-MN metropolitan area. Home prices and market conditions can vary across the broader metro region.